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New Construction Loans for Builders and Investors

Financing for ground-up single-family and multi-unit builds, from a team that invests in Kansas City real estate itself.

Apply in about 10 minutes Call (816) 608-7837 · Mon–Fri, 8 AM–5 PM

Program at a glance

Max loan-to-cost	Up to 85%
Loan size	$150,000 to $3,000,000
Term	24 months
Extensions	3 or 6 months
Prepayment penalty	None
Property types	Single-family and multi-unit

What to have ready

The lot: owned or under contract
Plans and, where available, permits
A line-item construction budget and timeline
Your builder or general contractor and their track record
The exit: sell on completion, or refinance and hold

How draws work

Construction money is released in stages, such as foundation, framing, mechanicals and finishes, after each stage is inspected. A clear budget and schedule up front is what keeps draws moving and the crew on site.

Build to rent

If you plan to keep the finished property as a rental, you can refinance out of the construction loan into a long-term DSCR loan once it’s complete and leased.

Questions builders ask

How much of the build can you finance?

Up to 85% of total project cost (loan-to-cost), depending on the project, plans, budget and your experience.

What loan sizes do you do?

From $150,000 up to $3 million.

How long is the term?

24 months, with 3- or 6-month extension options if the build runs long.

Is there a prepayment penalty?

No. Our new construction loans carry no prepayment penalty, so you can pay off when the house sells or refinances.

Do you finance multi-unit builds?

Yes. We finance single-family and multi-unit ground-up construction.

How are construction funds released?

Funds are released on a draw schedule as each stage of the build is completed and inspected.

Planning a build?

Send the lot, the plans and the budget. We usually reply the same business day.

Start my application

Or call (816) 608-7837, Mon–Fri, 8 AM–5 PM.

Leverage and terms shown are starting points for well-qualified investors and can change without notice. Every loan is subject to underwriting, credit review, property review and appraisal; nothing on this page is a commitment to lend. Loans are for business and investment purposes only and are not available for owner-occupied homes. We place loans with our own capital and with institutional lending partners, depending on the deal.